Bank Statement loans, Small business loans, working capital loans, asset based loans, equipment loans, and more are available. From $3,000 to $500,000 quickly and easily. Use for cash flow, expansions, advertising, inventory, taxes, equipment, or any other reason. Very flexible credit requirements
Why use alternative small business loans?
Complete the Secure > ONLINE DOCUSIGN APPLICATION . Attach the last 3 months bank statements. Or call us at Tel: 919-771-4177, or Send E-mail
- Tough transactions are made routine through leaseback and bank statement loans program
- Do you need a business loan fast? We specialize in fast business loans.
- Application is Fast and easy.
- Unsecured cash flow programs widely available!
- Quick approval and funding process. The revenue loan and gross sales loan are as fast as 2 to 3 business days.
- No upfront or processing fee.
- Traditional programs have a high decline rate. We have a high approval rate.
- Your request will be handled by an experienced industry representative throughout the process.
- You only have to be in business for 3 months for the business bank statement loan program.
- Low credit scores accepted. No minimum credit scores for several programs.
Click on the Online Application above, or on our “Contact Me” above. One of our highly experienced industry credit representatives will contact you. We will review your small business loans needs, funding options and immediately begin the funding process.
Question: Which of the small business loans does my business qualify for?
Business Loans Features:
- Sales Revenue based Cash Flow programs
- Almost all businesses have revenue and cash flow. Almost all businesses to pre-qualify.
- Asset Based program
- Almost all businesses have either receivables or Assets. Accounts receivables, Real Estate and sometimes hard assets can be used.
Frequent Requests by Callers:
How can I get a small business loan?
Help me get a small business loan
What types of small business loans are available?
Answer: Requirements may vary for each program. Minimal requirements will allow you to pre-qualify for a number of programs.
Question: How much can we qualify for with one of these small business loans programs?
Answer: The amount your business can qualify for depends on several factors. These include business and personal credit, time in business, the amount of equipment owned, and the business’ gross sales.
Question: What if I need $100,000 instead of $50,000 and I only qualify for $50,000? How can I get to the $100,000 total?
Answer: There are several funding programs available. You can get $50,000 under the first program funding. They can then get another $50,000 under a second program. A customer can get the first $50,000 under the equipment refinance program, then get the second $50,000 under the Gross Sales Program. That program is known as the Bank Statement finance or Bank Statement lending program.
Question: Do you offer approvals that are just in the company name for which a guarantor is not required?
Answer: What is referred to as Corp only or Corporation only approvals may be obtained. These are approvals for small business loans that are just in the company name. They are more difficult to get approved. They are based on the time in business, business credit and financial statements. A business must have over 5 years in business. They must also have strong business credit and strong financials to qualify for this funding.
Sample Small Business Loans Transaction:
Other advantages of our programs include significant tax advantages. Payments on the asset based loans may be 100% deductible. This program is set up in part as a lease which allows for this type of write off.
Assets are used as collateral but only a small part of the business owners assets are used for any transaction. In most cases, only a fraction of their assets are used. This compares very favorably to most other programs where Real Estate, all the company’s Accounts Receivables, or their entire assets are held as collateral.
There are tax advantages for the asset based program, comparable to the traditional home mortgage deduction. The equipment leases are usually set up as leases. The entire payment instead of just the interest portion of the payment. The customer can lower their tax obligation.
Small business loan resources
SBA Community Blog and Forum. Blog and Forums by the SBA, Small business administration. Questions can be asked and answers provided.
Learn more about the types of financing. Choose one of the funding categories to begin:
- About us
- Accounts Receivables Financing
- Asset Based Loan
- Bank Statement Funding
- Cash Flow Loan
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- Dental Practice Loan
- Medical Practice Loan
- Physician Loan